Save Money on GMC Yukon Insurance in Columbus

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Insurance rates GMC Yukon in ColumbusIt's safe to conclude that auto insurance companies want to keep you from shopping around. People who shop around annually are highly likely to buy a new policy because the odds are good of finding a lower-priced company. Remarkably, a study showed that consumers who compared prices once a year saved on average $865 a year as compared to drivers who never compared prices.

If finding the cheapest rates on GMC Yukon insurance is the reason you're here, then having a grasp of how to shop and compare insurance can save time and money.

If you want to save the most money, the best way to get affordable GMC Yukon insurance in Columbus is to start comparing rates regularly from insurance carriers who can sell car insurance in Ohio.

  1. It will benefit you to learn about the coverage provided by your policy and the modifications you can make to drop your rates. Many things that drive up the price like high-risk driving behaviors and poor credit history can be controlled by being financially responsible and driving safely. This article provides ideas to prevent high prices and get discounts that may be overlooked.
  2. Compare rates from direct carriers, independent agents, and exclusive agents. Direct and exclusive agents can only provide price estimates from a single company like Progressive or Allstate, while independent agencies can give you price quotes for a wide range of companies. View insurance agents
  3. Compare the new rates to your current policy premium to determine if you can save on Yukon insurance. If you can save money, make sure the effective date of the new policy is the same as the expiration date of the old one.
  4. Notify your company or agent of your decision to cancel your current policy and submit a completed policy application and payment to the new company. As soon as you receive it, place the new proof of insurance paperwork in an easily accessible location.

An important bit of advice to remember is to try to compare the same deductibles and limits on each quote and and to get price estimates from as many different insurance providers as possible. Doing this helps ensure a fair price comparison and a complete rate analysis.

If you have insurance now, you will surely be able to save money using the concepts covered in this article. Finding the cheapest insurance coverage in Columbus is much easier if you know where to start. But Ohio vehicle owners do need to learn how companies set your policy premium because it varies considerably.

Lower-cost GMC Yukon insurance rates in Columbus

The price of auto insurance can be rather high, but there's a good chance there are discounts that can dramatically reduce your bill. Many of these discounts will be applied automatically when you get a quote, but less common discounts must be specially asked for before you will receive the discount. If you do not check that you are getting every discount available, it's possible you qualify for a lower rate.Auto insurance discounts

  • First Accident Forgiveness - This isn't a discount exactly, but some insurance companies may permit one accident without raising rates so long as you haven't had any claims before the accident.
  • Distant Student - Kids living away from Columbus attending college without a vehicle on campus may qualify for this discount.
  • Passive Restraints - Vehicles with factory air bags or automatic seat belts can qualify for discounts of up to 25% or more.
  • Anti-lock Brake Discount - Anti-lock brake equipped vehicles are safer to drive so you can save 10 percent or more.
  • Pay Now and Pay Less - By paying your entire bill at once rather than paying in monthly installments you could save 5% or more.

Discounts lower rates, but some of the credits will not apply to your bottom line cost. Most only apply to individual premiums such as comp or med pay. So despite the fact that it appears all those discounts means the company will pay you, you won't be that lucky.

The information below compares GMC Yukon yearly insurance costs with and without discounts applied to the premium. The premium estimates are based on a male driver, no claims or driving citations, Ohio state minimum liability limits, comprehensive and collision coverage, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with safe-driver, multi-car, marriage, homeowner, claim-free, and multi-policy discounts applied.

A list of auto insurance companies and some of the discounts include:

  • Progressive includes discounts for multi-policy, good student, homeowner, online signing, and multi-vehicle.
  • AAA policyholders can earn discounts including AAA membership discount, pay-in-full, good student, multi-car, good driver, multi-policy, and education and occupation.
  • Farmers Insurance has savings for early shopping, teen driver, homeowner, youthful driver, and switch companies.
  • GEICO has discounts for driver training, five-year accident-free, defensive driver, air bags, military active duty, and anti-theft.
  • Esurance offers premium reductions for DriveSense, safety device, multi-car, anti-lock brakes, renters, multi-policy, and emergency road assistance.
  • SAFECO discounts include anti-theft, multi-car, accident prevention training, anti-lock brakes, and drive less.
  • State Farm offers discounts including good driver, Drive Safe & Save, safe vehicle, passive restraint, good student, and anti-theft.

Before purchasing a policy, check with all the companies to apply every possible discount. Some of the earlier mentioned discounts may not apply in your state.

It's important to know that comparing a wide range of rates helps improve the odds of finding a lower rate. Not every company provides Columbus Yukon insurance quotes online, so you also need to get prices on coverage from those companies, too.

The following companies have been selected to offer price comparisons in Ohio. If several companies are displayed, it's highly recommended you visit two to three different companies to get the most affordable price.

GMC Yukon detailed coverage information

The premium information below highlights a range of insurance premium costs for GMC Yukon models. Having a good grasp of how prices are established can help guide drivers when making informed decisions.

GMC Yukon Insurance Rates in Columbus, OH
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Yukon 2WD $112 $172 $234 $14 $70 $602 $50
Yukon SLE 2WD $112 $172 $234 $14 $70 $602 $50
Yukon 4WD $112 $172 $234 $14 $70 $602 $50
Yukon SLE 4WD $112 $172 $234 $14 $70 $602 $50
Yukon SLT 2WD $112 $172 $234 $14 $70 $602 $50
Yukon SLT 4WD $124 $172 $234 $14 $70 $614 $51
Yukon Denali 2WD $124 $202 $234 $14 $70 $644 $54
Yukon Denali 4WD $124 $202 $234 $14 $70 $644 $54
Yukon Hybrid 2WD $124 $232 $264 $16 $80 $716 $60
Yukon Hybrid 4WD $124 $232 $264 $16 $80 $716 $60
Yukon Hybrid Denali 2WD $136 $262 $264 $16 $80 $758 $63
Yukon Hybrid Denali 4WD $136 $262 $264 $16 $80 $758 $63
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Prices above based on married male driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and Ohio minimum liability limits. Discounts applied include safe-driver, homeowner, claim-free, multi-vehicle, and multi-policy. Prices do not factor in vehicle garaging location which can revise prices substantially.

Deductible comparison

One of the hardest decisions when shopping for auto insurance is how high or low should comp and collision deductibles be. The rates shown below approximate the price difference when you choose different comp and collision deductibles. The first price estimate table uses a $250 deductible for comp and collision and the second price chart uses a $500 deductible.

GMC Yukon insurance premium estimates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Yukon 2WD $198 $296 $226 $14 $68 $827 $69
Yukon SLE 2WD $198 $296 $226 $14 $68 $827 $69
Yukon 4WD $198 $296 $226 $14 $68 $827 $69
Yukon SLE 4WD $198 $296 $226 $14 $68 $827 $69
Yukon SLT 2WD $198 $296 $226 $14 $68 $827 $69
Yukon SLT 4WD $220 $296 $226 $14 $68 $849 $71
Yukon Denali 2WD $220 $348 $226 $14 $68 $901 $75
Yukon Denali 4WD $220 $348 $226 $14 $68 $901 $75
Yukon Hybrid 2WD $220 $400 $256 $16 $76 $993 $83
Yukon Hybrid 4WD $220 $400 $256 $16 $76 $993 $83
Yukon Hybrid Denali 2WD $244 $454 $256 $16 $76 $1,071 $89
Yukon Hybrid Denali 4WD $244 $454 $256 $16 $76 $1,071 $89
Get Your Own Custom Quote Go
GMC Yukon insurance premium estimates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Yukon 2WD $160 $238 $226 $14 $68 $706 $59
Yukon SLE 2WD $160 $238 $226 $14 $68 $706 $59
Yukon 4WD $160 $238 $226 $14 $68 $706 $59
Yukon SLE 4WD $160 $238 $226 $14 $68 $706 $59
Yukon SLT 2WD $160 $238 $226 $14 $68 $706 $59
Yukon SLT 4WD $180 $238 $226 $14 $68 $726 $61
Yukon Denali 2WD $180 $280 $226 $14 $68 $768 $64
Yukon Denali 4WD $180 $280 $226 $14 $68 $768 $64
Yukon Hybrid 2WD $180 $324 $256 $16 $76 $852 $71
Yukon Hybrid 4WD $180 $324 $256 $16 $76 $852 $71
Yukon Hybrid Denali 2WD $198 $366 $256 $16 $76 $912 $76
Yukon Hybrid Denali 4WD $198 $366 $256 $16 $76 $912 $76
Get Your Own Custom Quote Go

Prices above based on married male driver age 30, no speeding tickets, no at-fault accidents, and Ohio minimum liability limits. Discounts applied include safe-driver, multi-policy, claim-free, multi-vehicle, and homeowner. Table data does not factor in specific zip code location which can alter rates greatly.

We can derive from the above data that using a $250 deductible will cost in the ballpark of $11 more each month or $132 annually across all GMC Yukon models than choosing the higher $500 deductible. Since you would pay $250 more if you turn in a claim with a $500 deductible as compared to a $250 deductible, if you normally average more than 23 months between claims, you would come out ahead if you elect the higher deductible. Here is how this decision is made.

Average monthly premium for $250 deductibles: $76
Average monthly premium for $500 deductibles (subtract): - $65
Monthly savings from raising deductible: $11
Difference between deductibles ($500 - $250): $250
Divide difference by monthly savings: $250 / $11
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 23 months

One important caveat is that raising deductibles means you pay more out-of-pocket when you file a claim. It will be required that you have a higher level of savings in order to pay the higher deductible.

The example below shows how choosing a deductible and can impact GMC Yukon annual premium costs for different insured age categories. The data assumes a married male driver, comprehensive and collision coverage, and no additional discounts are factored in.

Full coverage versus liability only rates

The diagram below illustrates the difference between GMC Yukon car insurance rates with full coverage compared to only the Ohio minimum liability coverage. The price estimates are based on no tickets, no at-fault accidents, $500 deductibles, marital status is single, and no discounts are factored in.

When to eliminate full coverage

There is no clear-cut rule of when to exclude physical damage coverage, but there is a general guideline. If the yearly cost of full coverage is more than 10% of the replacement cost of your vehicle minus the policy deductible, then it might be time to buy liability only.

For example, let's say your GMC Yukon book value is $9,000 and you have $1,000 deductibles. If your vehicle is totaled, the most your company would pay you is $8,000 after paying your policy deductible. If you are paying in excess of $800 annually for full coverage, then it may be the right time to buy liability only.

There are a few situations where buying only liability insurance is not recommended. If you haven't paid off your loan, you have to keep full coverage to satisfy the loan requirements. Also, if you don't have enough money to buy a different vehicle if your current one is totaled, you should not eliminate full coverage.

Don't assume everyone needs the same auto insurance coverage

When quoting and choosing coverage, there really isn't a perfect coverage plan. Every situation is different.Safe vehicles cost less to insure

For instance, these questions might point out whether your personal situation may require specific advice.

  • Do I have coverage when using my vehicle for my home business?
  • Can I cancel at any time?
  • Who is covered when they drive my GMC Yukon?
  • What if a claim settlement is too low?
  • How much liability coverage do I need in Ohio?
  • Will filing a claim cost me more?
  • How long can I keep a teen driver on my policy?
  • Why am I be forced to buy a membership to get insurance from some companies?
  • Do I need an umbrella policy?

If it's difficult to answer those questions, then you may want to think about talking to an agent. To find lower rates from a local agent, simply complete this short form.

Car insurance quotes from neighborhood Columbus auto insurance agents

A small number of people just prefer to talk to an insurance agent and there is nothing wrong with that. One of the best bonuses of comparing car insurance online is that drivers can save money and get the lowest rates but still work with a licensed agent.

Insurance agency in ColumbusTo help locate an agent, after submitting this simple form, your information is immediately sent to local insurance agents who will return price quotes for your insurance coverage. There is no need to find an agent on your own because prices are sent directly to you. You can get cheaper car insurance rates AND an agent nearby. If you wish to get a price quote from a specific company, you just need to jump over to their website and complete a quote there.

Picking the best insurance company shouldn't rely on just the price. These questions are important to ask:

  • If your car is totaled, how to they determine the replacement cost?
  • Are there any discounts that you might be missing?
  • Which insurance companies are they affiliated with?
  • How much experience to they have in personal lines coverages?
  • Is the agent CPCU or CIC certified?

The following are Columbus auto insurance companies willing to provide price quote information for GMC Yukon insurance in Columbus.

4232 E Main St - Whitehall, OH 43213 - (614) 237-4256 - View Map

Howard Tyler - State Farm Insurance Agent
1395 E Dublin Granville Rd #201 - Columbus, OH 43229 - (614) 431-8192 - View Map

7370 Sawmill Rd Suite 2720 - Columbus, OH 43235 - (614) 336-4240 - View Map

1246 N High St - Columbus, OH 43201 - (614) 586-8701 - View Map

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More comparisons equals affordable rates

When getting Columbus car insurance quotes online, it's not a good idea to reduce needed coverages to save money. There are many occasions where drivers have reduced full coverage only to discover later they didn't have enough coverage. The goal is to buy enough coverage at the best possible price, but don't skip important coverages to save money.

Affordable GMC Yukon insurance in Columbus can be found on the web in addition to local insurance agencies, and you need to comparison shop both to have the best selection. Some insurance providers don't offer the ability to get a quote online and most of the time these smaller providers prefer to sell through independent insurance agents.

Drivers who switch companies do it for a number of reasons such as high prices, not issuing a premium refund, poor customer service or unfair underwriting practices. It doesn't matter what your reason, switching companies is not as difficult as it may seem.

Even more information can be read in the articles below: